When you live in Newark, you need insurance for all sorts of different things – your home, your car, and everything else. Instead of trying to do everything alone, you can work with independent insurance agents who can make sure that you make better choices.

For years, people have been saying that independent insurance agents will become obsolete. This couldn’t be further from the truth. The main reason for this is because independent insurance agents know how to stay above the trends and react quickly to change. They know how to embrace social media, market themselves and communities, and more.

When it comes to purchasing insurance, you want people who are savvy and committed to the community. This is why it is beneficial to work with independent insurance agents. They can make sure that you understand the various options available in the marketplace. They can also tell you which insurance companies you want to do business with and which ones you should avoid.

Insurance companies will often put their needs first, which means your needs come second. Is not the way you want to purchase insurance. Independent insurance agents don’t work for specific company and therefore they have no hidden agenda. Their goal is simply to make sure that your insurance needs are taken care of.

Agents can save you time and money and do a lot of the work for you. They already know what companies are out there and what the coverages, so they can make intelligent recommendations to help you buy a better policy for your home, your family, and every other aspect of your life.

Call now and our independent insurance agents at E.S.T.I.R. Inc. will guide you through the various New Jersey insurance companies and the options that are available to you. It can give you greater confidence when purchasing policies.

If you are a student in Newark, there are several things that you need to know about obtaining health insurance. The affordable care act, also referred to as the ACA, requires that you have health insurance. Who provides the health insurance is entirely up to you.

There are three main ways for you to get health insurance in today’s marketplace. These include:

• Your school
• Your family
• An individual plan

More and more universities across the United States are requiring health insurance coverage – and they may even include it within your tuition. This means you will have to look to see what you are spending your money on. If your school offers coverage, be sure it includes dental and vision as well. You also want to make sure that you have calendar year coverage and not simply semester coverage.

If your family plan has you included, this can offer great savings. If you are out of town or out of state, your doctor may not be within the network, however. This means that you may spend a lot of money on co-pays. It may also not provide you with full coverage if you play sports at the school.

Finally, you have the ability to explore an individual plan or you can determine all of the levels of coverage. You will want to explore deductibles and co-pays.

Regardless of where you obtain health insurance, you want to compare rates in order to make sure that you are getting the best deal and the highest level of coverage. You also want to do what you can in order to maintain a high level of health.

When you call us at E.S.T.I.R. Inc. we are able to help you learn more about obtaining health insurance in Newark. Contact us today to obtain quotes from multiple insurance companies throughout New Jersey.

Life insurance is very important. It provides protection for you as well as your family in the event of your passing. There are different myths that you need to know about in order to effectively purchase a policy in Newark.

You are Too Young

Many people believe that they are too young for life insurance and this is something that should be purchased upon retirement. The reality is that there are plenty of reasons why 30 and 40-year-olds should be purchasing life insurance, and at the top of the list is that it is more affordable.

Employer-Provided Policies are Sufficient

Every policy is a little different and therefore you need to look at what your employer is providing. It is likely a term policy and disappears once you leave the company. It may also only be one or two times your annual salary, which would not be sufficient enough to protect your family.

Online is Where to Buy a Policy

While you can get some deals online when purchasing life insurance, many people purchase without knowing exactly what they are getting. Speak to an independent insurance agent so that you can discover more about available policy options.

Buy Term and Invest the Rest

There are some big differences between term, whole, and universal life insurance. A big myth is that people believe you should buy term life insurance and then invest the difference since it is the cheaper option. However, whole and universal can provide a cash value – and it is definitely something worth exploring, especially if you have it available within your budget.

There are plenty of other myths out there, and speaking to an independent insurance agent can enlighten you about the possibilities.

At E.S.T.I.R. Inc. we look forward to helping you find a policy that you can count on for life insurance. Call now and one of our agents can answer questions, get quotes, and more.

After a wedding, the last thing most couples have on their mind is to call their insurance agent. At E.S.T.I.R. Inc., however, we strongly urge newlyweds to contact their insurance agent shortly after becoming wed. Many insurers will give couples discounts on their insurance rates after they’re married, but insurance agents can only help couples get this discount if couples first call to share the good news.

Many Married Couples Qualify for Multi-Policy Discounts

There are many insurance discounts that people may qualify for. One that married couples, in particular, often qualify for is a multi-policy discount. Most insurers will lower a couple’s insurance premiums if they have more than one policy with the insurer.

While individuals who maintain both an auto insurance policy and at least one other insurance policy may qualify for a multi-policy discount, not all single people have more than one policy. Married couples, however, often have more than one car and also need homeowners, condo or renters insurance. Therefore, most married couples qualify for multi-policy discounts if they purchase all of their insurance policies through one company.

Contact Your Insurance Agent to Learn More About Multi-Policy Discounts

Multi-policy discounts vary from insurer to insurer, even though almost all insurance companies offer them. If you’d like to learn more about any multi-policy discounts that your insurer offers, contact your insurance agent. They’ll be able to help you figure out whether you qualify for a discount and what you need to do to get it if you do.

If you don’t have an insurance agent, or if your insurer doesn’t offer a large discount, contact us at E.S.T.I.R. Inc. We have independent insurance agents who can compare discounts from every insurer in Newark, NJ and find you the best one. To reach us, send us a message through our website or give us a call today!

It is always a good idea to protect your pets during the summer months. When you live in Newark, you want to be sure that you are taking care of your dogs or cats when the weather becomes hotter than normal.

Hydration is important, and your pets should always have access to water. There are plenty of bowls and dispensers available on the market, so all you have to do is make sure it is always full. If you go outside, you should make sure that your pets still have water, even if it means bringing a bottle of water with you.

The summer heat can also take a toll on your pets paws. The pads that are found on the bottoms of their feet are delicate and concrete can heat up faster than you may think. There are various booties and other products that you can purchase so that their feet are protected whenever you take them outdoors.

There are going to be lots of bugs throughout the summer, and many of these can carry diseases. A single mosquito bite can transmit heartworm, which is a deadly disease for your dog or cat. The good news is that there are plenty of preventative medications and you can talk to your vet about protecting against heartworm, flea bites, and ticks.

Focus on all the different ways that you can protect your pet based upon what you are planning for the summer. Take your pet boating, but make sure that they have a life vest on. Also, never leave your dog in a parked car.

At E.S.T.I.R. Inc. we are dedicated to helping you protect you and your home. This includes your pets, too! Call us today and let us help you find an affordable homeowners policy in Newark.

Did you know the population of Harrison, New Jersey dropped over 5% between the 2000 and the 2010 Census? Did you also know that the loss has already been more than made up in the five years since? Harrison is growing again, and the evidence can be seen with new developments and housing. This growth and the potential it holds have re-energized the business community. It is an exciting time.

Is your business growing? Has it changed in the past few years? Have you added new products, expanded or invested in new electronics? If it has, you should consider a business insurance review. An insurance review can tell you many things. Here are just five things you may learn from a commercial insurance review.

1. Whether your business is covered from damage sustained from heavy snow buildup on your roof.
2. What types of water damage your policy covers.
3. If the windows in your storefront are covered for breakage.
4. Whether you are covered for theft or not, and to what extent.
5. If you are paying too much for coverage that is inadequate.

If your business is in or near the 07029 zip code, your E.S.T.I.R. insurance agent would be pleased to offer you a complimentary, no obligation business insurance review. This is particularly important if it has been a while since you’ve last reviewed your coverage. If your coverage is inadequate, our independent agents will scour multiple companies to find a policy that fits your business and your budget.

Visit our website and get comparative quotes on your auto or homeowners insurance. Once you see how we can save you money, we are counting on you calling us for a business insurance review.

E.S.T.I.R. is pleased to serve Harrison and excited for what the coming years will bring. We would be pleased to be a part of your team.

There are some sizeable businesses headquartered in Newark, New Jersey. Prudential Financial and The Panasonic Corporation of North America call Newark home. We are also home to hundreds of smaller, independent businesses who contribute to the economy and provide jobs. These small business are a critical part of Newark and deserve your support. Large or small, all businesses need to protect their interest. They generally do it with commercial insurance.

There can be pitfalls in buying commercial insurance. Insurance can sometimes be a bit complicated. You have captive agents and independent agents. There’s Special Form insurance and Basic Form insurance. There are coverage limits and deductibles to be concerned about. You don’t want to overpay, but you don’t want inadequate coverage either. But what is the biggest pitfall of buying Newark business insurance?

It may be not giving yourself enough options.

That is what an independent agency like E.S.T.I.R. can deliver for you. Captive agents only have the opportunity to show you a rate from the single company they represent. In an effort to get a better price from that company, coverage may be trimmed. That can become a problem. Independent agents can scour multiple companies. In this search, our professionals can help find the appropriate options at the best possible price.

You can give us a try with your personal insurance. Visit our website and get a comparative quote on your automobile or homeowners insurance. When you see the results, we hope you will let us quote your business insurance.

Avoid the pitfalls of buying Newark commercial insurance for your business. Make the most of your budget and get the coverage you need by getting the options you deserve. Contact E.S.T.I.R. and put us to work for you.

Harrison, NJ, 07029 is a nice area for many people interested in access to the city at an affordable cost. The recent plans to revitalize the city are underway, so in the next few years the city is going to be a hotspot for many businesses and professionals alike.

With easy access to many cities, many businesses will use their cars to travel back and forth. Commutes can place strain on business vehicles due to wear and tear, so it is essential for business owners to know how to maintain their business cars in order to save money on their insurance and protect their employees.

Install Gadgets to Monitor Driving

Advances in technologies have made it easier to monitor cars remotely. Business managers can install these devices to ensure that their vehicles are driven safely, so that their insurance premiums remain low. The benefits of installing these devices include:

• These devices provide businesses with the ability to monitor warning lights, such as the check engine and battery light.
• These devices provide businesses with the ability to easily locate the car if it is stolen.
• These devices allow managers to monitor live trips while employees are driving.

With all these features, it is easy to see why so many business owners are opting to equipment their cars with new technology so that they will have more control over their employees’ safety.

Keep the Cars Maintained

Maintaining business cars is essential for employee safety. By having the oil changed, fluids checked, and the condition of the tires checked, managers will reduce the instance of the car stalling or getting a flat tire during heavy travel times. Since disabled vehicles can cause even more confusion, businesses are not only protecting their drivers, but other drivers on the road.

After implementing all the safety measures possible to protect your employees call us to determine whether you qualify for a better rate on your commercial insurance policy. Our agents are always standing by to provide you with commercial insurance quotes using the latest technologies to provide you the best quotes possible. 

As a business owner in Newark, NJ, there is a lot to think about. One day after a quick lunch at Gencarelli's, you decide to take a walk through Branch Brook Park before heading back to the office. You start thinking about your insurance coverage. Is your business covered in case of fire damage? What about a burst water pipe? Even if you have adequate levels of damage protection, your company could be down for weeks or even months during remediation and reconstruction. Who will pay the bills when your business income has been interrupted?

Since E.S.T.I.R. Inc is a local company as well, our commercial insurance agents understand your concerns. We can answer your questions about the different types of insurance policies for businesses. For example, some business property damage policies cover damage from smoke, vandalism and even sinkholes. However, if you are concerned about glass breakage or water damage, you may need additional endorsements. Our agents will be happy to look over your current policy to ensure you are protected.

Business interruption insurance is usually not standard coverage on a property damage policy. You might need a separate policy if you have concerns about the financial impact of delays to your business operations due to building damage. Business interruption insurance often covers operating expenses and lost profit until the damage is resolved, as well as costs for your business to continue operating at a different location if necessary. Policies will vary based on your company's circumstances. At E.S.T.I.R. Inc, our experts can give you a business insurance quote based on the coverage that will best suit your company's needs.

To consult with the Newark insurance specialists at E.S.T.I.R. Inc, please contact us today. We want every business in the 07107 area to have the policy that best protects their financial future.

It’s common knowledge that your brand new car depreciates in value as soon as you drive it off the lot in Harrison, NJ. In fact, it continues to depreciate as you drive it. Each mile you drive and each day the sun beams down on your shiny, clear coat, you are losing value. The difference between what you owe the finance company and the value of your car is considered a gap; this is the amount you are responsible for paying to your insurance company if you total your car.

How Gap Insurance Works

Fortunately, car insurance companies offer coverage called Gap insurance that will help you cover the cost of a total loss to your vehicle. With Gap insurance, your insurance company will pay the actual cash value of your car and they will pay the difference between what you owe the finance company and what they already paid. Gap insurance is imperative if you have a brand new car because you can protect the value of the car and your wallet, by opting in for the coverage.

It is important to keep in mind that some companies may only pay a percentage of the difference, so ask questions and compare your options to ensure that you are fully covered.

Getting Gap Insurance

The best agents in 07029 offer Gap insurance because they realize it truly protects their customers and many people are interested in the coverage. The process is simple, once you call around for insurance quotes for your new vehicle ask the insurance companies whether they offer Gap insurance coverage for your new vehicle.

Adding Gap Insurance to Existing Coverage

Adding cap insurance coverage to an existing policy is possible under certain restrictions. Each insurance company establishes their own restrictions, so you should contact your insurance provider to add gap insurance.

Opting out of Gap insurance is like throwing money down the drain since you are losing money each time you drive your car. To avoid paying the finance company if you are in a wreck, you can purchase Gap insurance for a few dollars and have the peace of mind knowing that you are covered if you are in a wreck with your new vehicle.